Support for Your Team When They Need It Most
If an employee is injured or becomes ill on the job, workers’ compensation insurance helps cover medical care and lost wages. It’s required for most businesses in Illinois and critical for protecting both your people and your business. We tailor each policy to fit your operations, explain your coverage clearly, and help ensure you're not paying for what you don’t need while avoiding risky gaps.
What Does Workers’ Comp Cover?
It typically includes medical bills, rehabilitation expenses, and partial wage replacement for employees hurt on the job. It also provides death benefits to families in the unfortunate event of a workplace fatality. We tailor each policy to fit your operations, explain your coverage clearly, and help ensure you're not paying for what you don’t need while avoiding risky gaps.
Why It’s a Legal and Business Priority
Beyond legal requirements, having workers' comp shows your team you’re committed to their well-being. It also protects your business from lawsuits and financial losses.
Key Coverage Features
Wage Replacement
Covers a portion of lost wages while the employee recovers from a work-related injury.
Medical Costs
Pays for hospital visits, surgeries, medications, and rehabilitation.
Employer Legal Protection
Helps cover legal fees if an injured worker sues your business.
Workers’ Compensation FAQs
Is workers’ comp required in Illinois?
Yes. Most businesses with employees are required by state law to carry it.
What if my employee injury is minor?
Even small injuries must be reported and may require a claim to be filed.
Can owners be excluded from coverage?
Yes, business owners can often choose to exclude themselves from coverage, depending on structure.
Does it cover commuting accidents?
Generally no—commuting is not covered unless the travel is work-related.